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their education, purchase homes and run their businesses. that is what we need to address credit reports, one of the most significant and least understood elements of the consumer credit system. this benefits another highlight of dodd-frank. in the past the federal trade commission has had authority over furnitures, those who send financial information to the credit bureaus. they are in most cases of banks. the ftc did not have the authority to examine the credit bureaus themselves, they could only bring in enforcement actions. the cfcb has said the authority to shed new light on the credit reporting industry about which we do not know much in many ways and write new rules of the road. as one reason why the cfpb is so important. consumers are entitled to one free copy each year, one from each of the three bureaus of they choose to do that, they find only one in five consumer's request a copy of their credit union report in at any given year. last year 8 million consumers disputed items enter their credit report challenging the accuracy and enter one way or the other, even though each american
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